Total monthly cost of ownership
Cost to Own a Home in Mariposa, California
A $306,000 home here costs
$2,425per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,573. The real number is $851 higher every month — 54% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Mariposa against Mariposa County and California
| Measure | Mariposa | Mariposa County |
|---|---|---|
| Median home value | $306,100 | $358,000 |
| Median property tax | $2,187 | $2,437 |
| Effective tax rate | 0.714% | 0.681% |
| Median gross rent | $629 | $1,268 |
| Population | 1,202 | 17,060 |
The weather behind that power bill
Mariposa sits in Mariposa County, which averages a high of 74.9°F in its hottest month and a low of 30.5°F in its coldest, with 40.44" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 308 cooling and 5,919 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Mariposa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mariposa County
Full Mariposa County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Mariposa?
A $306,000 home in Mariposa, California costs approximately $2,425 per month with 20% down at 6.66%. That is $1,573 principal and interest, $182 property tax, $47 homeowners insurance, $367 utilities and $255 set aside for maintenance.
What is the property tax rate in Mariposa?
Mariposa has an effective property tax rate of 0.714%, based on a median home value of $306,100 and median real estate taxes of $2,187. That is higher than the Mariposa County average of 0.681%.
What is the average home price in Mariposa?
The median owner-occupied home value in Mariposa, California is $306,100, against $358,000 across Mariposa County.
Is it cheaper to rent or buy in Mariposa?
Median gross rent in Mariposa is $629 a month, against $2,425 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mariposa — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for California.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.